Citrus Bank is a subsidiary of CIB Marine Bancshares, a multi-bank holding company. CIB Marine owns and operates the following separately chartered commercial banking organizations, Central Illinois Bank, Marine Bank and Citrus Bank. CIB Marine currently operates 24 full-service banking facilities serving five geographic markets or regions, including central Illinois; Milwaukee metropolitan area; Florida's southeastern coast; Indianapolis metropolitan area; and Phoenix. CIB Marine offers a full array of traditional banking services, including loan products, such as commercial loans, commercial real estate loans, commercial and residential real estate construction loans, one-to-four family residential real estate loans, consumer loans, and commercial and standby letters of credit; acceptance of demand, savings and time deposits; commercial paper and repurchase agreements; and other banking services. Citrus Bank is located in Vero Beach, Fla.